Standard Chartered Smart Credit Card
Selected dining, streaming and transport merchants earn 8% cashback with S$800 statement-month spending, or 10% with S$1,500. Other eligible spend earns 0.5% / 1% at the corresponding tiers.
Benefits & important limits
- Selected dining, streaming and transport merchants earn 8% cashback with S$800 statement-month spending, or 10% with S$1,500. Other eligible spend earns 0.5% / 1% at the corresponding tiers.
- Below S$800, the ongoing base rate is 0.5%; the previous 4% no-minimum promotion ended on 31 March 2025. Rewards are credited as points and redeem in blocks of 3,200 points for S$10 cashback.
- Visa SmartDelay requires advance flight registration and a qualifying delay. It is not a fixed annual free-lounge quota.
Fees & repayments
- Principal annual fee (GST included)
- S$99.19
- Fee waiver
- First 1 year waived. Later waivers are subject to the issuer’s rules.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Singapore citizens / PRs need S$30,000 yearly income; foreign applicants need S$90,000 and a Singapore Employment Pass. The published route requires at least six months’ pass validity; legacy Q-type passes require one year. Income and identification documents are assessed by the bank.
Principal age: 21–65
Application documents ↗Overseas & FX fees
Standard Chartered foreign-currency purchases have a 3.5% foreign-currency transaction fee. Expired fee-waiver campaigns and the multi-currency deposit-account feature do not make this credit card a permanent 0% FX card.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.